I doubt HAL on it's own can come up with MCA production before 2015 in earliest. HAL is green regarding the stealth features. Also, HAL is always overestimating their efficiency. They are good, but they are not totally reliable.

Even if HAL comes with MCA design within 2013, it will take longer to set up production line and getting the fighters. By then most mig-21 will have to be retired. Without MMRCA there will remain a big hole in Indian defence.

They say that MCA is based on LCA. But whatever probable models' pics I've seen shows completely diff. structure + MCA will be a stealth a/c, which LCA is not... the LCA's RCS is low because of it's smaller size, so HAL needs to work on stealth technology from the scratch which took US over 20 years to perfect and russia over 10 or so (yet to know how far along russia is though).

The 2 points you mentioned to be developed indegenously, makes it a completely new model than LCA.

LCH is not a generation jump from Dhruv but modified Dhruv.... MCA can't be modified LCA but completely new plane a whole genration ahead of LCA with STEALTH feature, more heavier and needs to more aero-dynamic to become a air-superiority fighter.